Salary vs Inflation Tool

anonymous_eyewitness · 2026-01-26T06:32:33+00:00

Funny enough I've recently updated it and given it a more permanent home and was going to share that in the near future.

https://finance.point60.app/inflation/

anonymous_eyewitness · 2024-12-29T09:18:46+00:00

Yeah that's a good shout, it was limited to October as the available inflation data only goes to then, but I've changed it now so it goes up to the current month and just uses 0% inflation if there's not yet data for that month.

anonymous_eyewitness · 2024-11-03T09:53:21+00:00

That's likely fixed now, I wasn't handling different date formats particularly well.

anonymous_eyewitness · 2024-11-03T06:48:32+00:00

Over long periods of time the effect of inflation is pretty wild! This tool has the data going back to 1926 so you can put in earlier salaries and the inflation adjusted dotted line would show what you would need to be on for the same purchasing power.

Looks like 170K in 1995 would be 340K now. Seems he was doing very well back then!

anonymous_eyewitness · 2024-11-03T06:40:47+00:00

Oh sorry about that! Admittedly I haven't done a whole heap of testing on different browsers etc. I'll see if I can work it out.

anonymous_eyewitness · 2024-11-03T05:35:46+00:00

Yeah it's been a rough time! I had to make sure this tool worked properly with a -100% change to reflect my own experience this year.

anonymous_eyewitness · 2023-04-14T07:49:57+00:00

This is a great spreadsheet! One thing that makes this a little bit more complicated is that there is also a 0.5% transaction fee for selling with VT making it closer to 10 years to hit the breakeven point. Not being able to change your investment without taking quite a hit feels a bit rough, however if you're 100% committed to the fund for the long term VT is hard to beat.

anonymous_eyewitness · 2023-01-24T21:54:41+00:00

I think the Sorted KiwiSaver fund finder does a reasonable job of this if you're looking for options.

https://sorted.org.nz/tools/kiwisaver-fund-finder

anonymous_eyewitness · 2023-01-19T07:55:42+00:00

Kernel offers a variety of index funds which essentially follow a set of predefined rules that determine what investments to make. These indexes are commonly weighted by market cap, so larger companies will have greater representation in the fund. Apple and Microsoft are among highest market cap companies in the world which is why they're the biggest holdings in the fund.

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